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...Wp financial inclusion zooming in on latin america by era dabla norris yixi deng anna ivanova izabela karpowicz filiz unsal eva vanleemput and joyce wong imf working papers describe research progress the author s are published to elicit comments encourage debate views expressed those of do not necessarily represent its executive board or management international monetary fund paper western hemisphere department zeroing prepared authorized for distribution krishna srinivasan september abstract countries caribbean lac have made important strides promoting firms households however while region is broadly at par with peers household lags behind nonetheless there substantial heterogeneity across reducing borrowing costs strengthening further regulatory environment taking steps protect efficiency stability system could help close gaps participation monitoring relaxing collateral constraints will spur growth reduce inequality though trade offs likely as illustrated case guatemala el salvador ...